Self-Employed · Sole Traders · Company Directors · Contractors
Self-Employed Home Loans Sydney
Self-employed and tired of banks treating your income like a problem? William Zhu specialises in self-employed lending — knowing exactly which lenders accept your structure, how to present your financials, and when a low-doc option fits. 70+ lenders, independent, always free.
How Self-Employed Home Loans Work
If you run your own business, your income rarely fits the neat payslip box banks prefer. But self-employed borrowers absolutely can get competitive home loans — the key is matching your situation to a lender that understands it. Some want two years of tax returns; others accept one year, your BAS, or a letter from your accountant. The right choice depends on how your business is structured and how recently it's grown.
William's job is to translate your financials into the strongest possible application — adding back the right expenses, choosing the lender whose policy fits your trading history, and presenting everything the way assessors want to see it. The same set of tax returns can produce very different borrowing limits depending on who reads them.
What Lenders Look At
📄 Two Years' Tax Returns (Full-Doc) — The standard path: personal and business returns plus notices of assessment. Usually the sharpest rates.
📊 One Year / Low-Doc / Alt-Doc — Newly self-employed, or last year stronger? Some lenders accept one year's figures, BAS statements, or an accountant's declaration.
➕ Add-Backs — Depreciation, one-off expenses, additional super and interest can often be added back to lift your assessable income — if your broker knows to claim them.
🏢 Company & Trust Structures — Director's wages, retained profits and trust distributions are all assessed differently. William knows which lenders read your structure most favourably.
Why Self-Employed Borrowers Choose Bridge Finance
The right lender and the right paperwork — that's the whole game.
Lender Matching
Every lender treats self-employed income differently. We know which ones accept your structure, your trading history and your latest year — so you apply where you'll be approved.
Add-Back Maximisation
Depreciation, interest, one-off costs — we identify every legitimate add-back to present your true earning capacity, not just your taxable income.
Low-Doc Where It Fits
No two years of returns yet? We'll find a compliant low-doc or alt-doc lender and structure the application properly so it stacks up.
Structure Expertise
Sole trader, company, trust or a mix — William reads your financials the way an assessor does and packages them for the strongest result.
Self-employed? Let's get you approved.
Book a free 30-minute consultation. Bring your situation — William will tell you exactly which lenders fit, what documents you'll need, and how much you can borrow. No cost, no pressure.
© 2026 Bridge.Finance Pty Ltd ATF Zhu Family Trust. Credit Representative 567817 of Australian Credit Licence 384704. MFAA Member. AFCA Member.
Get in touch
Ready to take the next step?
Whether you're just starting your property search or ready to apply, we'd love to help. Reach out for a free, no-obligation chat and find out what's possible for your situation.
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Address
217 Burwood Road, Burwood NSW 2134, Australia